--- title: Mortgage Tips & Homebuying Insights | NateLoans description: FHA Loans | Nateloans's blog for sharing content related to real estate --- [NateLoans](https://nateloans.com/) [About](https://nateloans.com/#about) [Loan Types](https://nateloans.com/#loans) [Calculators](https://nateloans.com/#tools) [How It Works](https://nateloans.com/#process) [Reviews](https://nateloans.com/#reviews) [Blog](https://nateloans.com/blog) [Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) The NateLoans Blog # Mortgage Tips, Rate Updates & Homebuying Insights Straight talk on mortgages from a loan officer who's done it for 10+ years. [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-ivan-s-8962337.jpg)](https://nateloans.com/blog/fha-vs-conventional-rental-income-old-home) ## [Can You Use Rent From Your Old Home on an FHA Loan?](https://nateloans.com/blog/fha-vs-conventional-rental-income-old-home) Keeping your current home as a rental while buying your next one sounds simple in theory. In practice, whether you can actually use that future rent to help you qualify depends heavily on one thing most buyers never think to ask upfront: what type of loan are you using for the new purchase? FHA and conventional financing handle this exact scenario very differently, and the gap between them is bigger than most buyers realize. October 6, 2026 [Read More](https://nateloans.com/blog/fha-vs-conventional-rental-income-old-home) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/yellow_house_1200x628.png)](https://nateloans.com/blog/house-hacking-worcester-ma-2026) ## [How to House Hack in Worcester, MA (2026)](https://nateloans.com/blog/house-hacking-worcester-ma-2026) House hacking has a specific, well-known formula: buy a property with multiple units, live in one, rent the others, and let those tenants cover most or all of your mortgage. It works best where three things line up, affordable purchase prices, a real supply of multi-family housing, and rents strong enough to make the math work. Worcester happens to hit all three, more consistently than almost anywhere else in Massachusetts. September 23, 2026 [Read More](https://nateloans.com/blog/house-hacking-worcester-ma-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/ChatGPT%20Image%20Aug%2026%2c%202026%2c%2010_06_44%20AM.png)](https://nateloans.com/blog/conventional-loan-credit-score-minimum-2026) ## [What's the Minimum Credit Score for a Conventional Loan in 2026?](https://nateloans.com/blog/conventional-loan-credit-score-minimum-2026) You've probably heard some version of this: "conventional loans don't have a minimum credit score anymore." As of late 2025, that's actually true at the agency level, Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Product Advisor both dropped their long-standing 620 floor for automated approvals. It sounds like great news for anyone with a lower score. August 26, 2026 [Read More](https://nateloans.com/blog/conventional-loan-credit-score-minimum-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/MIP.png)](https://nateloans.com/blog/how-much-is-pmi-on-fha-loan) ## [How Much Does FHA Mortgage Insurance Actually Cost? (2026)](https://nateloans.com/blog/how-much-is-pmi-on-fha-loan) One of the most common questions I get from buyers considering an FHA loan is some version of: "How much extra am I actually paying for mortgage insurance?" It's a fair question — and the honest answer is more than most people realize when they're just looking at the rate. June 11, 2026 [Read More](https://nateloans.com/blog/how-much-is-pmi-on-fha-loan) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-rdne-7821671.jpg)](https://nateloans.com/blog/fha-loan-500-credit-score-massachusetts) ## [Can You Get an FHA Loan with a 500 Credit Score in Massachusetts?](https://nateloans.com/blog/fha-loan-500-credit-score-massachusetts) If you've been told you don't qualify for a mortgage because of your credit score, there's a good chance you were talking to the wrong lender. June 5, 2026 [Read More](https://nateloans.com/blog/fha-loan-500-credit-score-massachusetts) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-artbovich-5997993.jpg)](https://nateloans.com/blog/fha-pmi-how-long) ## [How Long Does PMI Last on an FHA Loan? (The Answer Might Surprise You)](https://nateloans.com/blog/fha-pmi-how-long) One of the most common questions I get from buyers considering an FHA loan is some version of: "How long do I have to pay mortgage insurance?" It's a fair question — and the honest answer is one that catches a lot of buyers off guard. May 31, 2026 [Read More](https://nateloans.com/blog/fha-pmi-how-long) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-kampus-6829567.jpg)](https://nateloans.com/blog/why-buyers-get-denied-after-pre-approval) ## [Why Buyers Get Denied After Pre-Approval (And How to Avoid It)](https://nateloans.com/blog/why-buyers-get-denied-after-pre-approval) Getting pre-approved for a mortgage feels like a major milestone — and it is. But a pre-approval letter is not a guarantee that your loan will close. Every year, buyers lose homes they were under contract on because their mortgage was denied after pre-approval. May 26, 2026 [Read More](https://nateloans.com/blog/why-buyers-get-denied-after-pre-approval) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/pexels-pavel-danilyuk-7654591.jpg)](https://nateloans.com/blog/how-much-money-to-buy-a-house-massachusetts-2026) ## [How Much Money Do You Need to Buy a House in Massachusetts? (2026)](https://nateloans.com/blog/how-much-money-to-buy-a-house-massachusetts-2026) One of the most common questions first-time buyers ask is some version of: "How much money do I actually need?" Not just the down payment — but the full picture. Down payment, closing costs, prepaid items, reserves. All of it. May 21, 2026 [Read More](https://nateloans.com/blog/how-much-money-to-buy-a-house-massachusetts-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/Photo%20of%20boston.png)](https://nateloans.com/blog/masshousing-down-payment-assistance-massachusetts-2026) ## [MassHousing Down Payment Assistance in Massachusetts (2026)](https://nateloans.com/blog/masshousing-down-payment-assistance-massachusetts-2026) Coming up with a down payment in Massachusetts is one of the biggest hurdles for first-time buyers. Between rising home prices, closing costs, reserves, and monthly payment concerns, many buyers who could comfortably afford a mortgage still struggle to save enough upfront cash to actually purchase a home. May 19, 2026 [Read More](https://nateloans.com/blog/masshousing-down-payment-assistance-massachusetts-2026) Copy [![](https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/ChatGPT%20Image%20May%2018%2c%202026%2c%2002_19_25%20PM.png)](https://nateloans.com/blog/how-much-do-you-need-to-make-to-buy-a-house-in-massachusetts) ## [How Much Do You Need to Make to Buy a House in Massachusetts? (2026)](https://nateloans.com/blog/how-much-do-you-need-to-make-to-buy-a-house-in-massachusetts) Buying a home in Massachusetts has become less about whether someone makes “good money” and more about how the entire financial picture fits together. May 18, 2026 [Read More](https://nateloans.com/blog/how-much-do-you-need-to-make-to-buy-a-house-in-massachusetts) Copy - 1 - [2](https://nateloans.com/blog/tag/fha-loans/page/2) - ## Ready to take the next step? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. 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